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YOUR GUIDE TO GETTING STARTED

Rochester Regional Health401(k) Defined Contribution Plan

Invest in your retirement—and yourself—today, with help from

the Rochester Regional Health 401(k) Defined Contribution

Plan and Fidelity.

Invest some of what you earn today for what you plan toaccomplish tomorrow.

Dear Employee:

It’s a pleasure to provide you with information about the Rochester Regional Health 401(k) DefinedContribution Plan. Take a look and see what a difference the Plan could make in achievingyour goals.

Benefit from:

Convenience. Your contributions are automatically deducted regularly from your paycheck.

Tax savings now. Your pretax contributions are deducted from your pay before income taxes aretaken out. This means that you can actually lower the amount of current income taxes you payeach period.

Tax-deferred savings opportunities. You pay no taxes on any earnings until you withdraw themfrom your account, enabling you to keep more of your money working for you now.

Portability. You can roll over eligible savings from a previous employer into this Plan. You can alsotake your plan vested account balance with you if you leave the company.

Investment options. You have the flexibility to select from investment options that range frommore conservative to more aggressive, making it easy for you to develop a well-diversifiedinvestment portfolio.

Automatic annual increases. Save a little more each year, the easy way — the Annual IncreaseProgram automatically increases your contribution each year.

Online beneficiary. With Fidelity’s Online Beneficiaries Service, you can designate yourbeneficiaries, receive instant online confirmation, and check your beneficiary information virtuallyany time.

Catch-up contributions. If you make the maximum contribution to your plan account, and you are50 years of age or older during the calendar year, you can make an additional “catch-up”contribution of $6,500 in 2020.

To learn more about what your plan offers, see “Frequently asked questions about your plan” inthis guide.

Participate in your plan and invest in yourself today.

FAQ

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Frequently asked questions about your plan.Here are answers to questions you may have about the key features, benefits, and rules of your plan.

When can I enroll in the Plan?

You can enroll anytime after you beginemployment.

If you have not enrolled in the Plan within 60days from your eligibility date, you will beautomatically enrolled in the Plan at acontribution rate of 3% of your pretax eligibleearnings. Your contributions will be invested inthe Vanguard Institutional Target Retirement -Institutional Shares. Target Date Funds are anasset mix of stocks, bonds and otherinvestments that automatically becomes moreconservative as the fund approaches its targetretirement date and beyond. Principal investedis not guaranteed.

We encourage you to take an active role in thePlan and to choose a contribution rate andinvestment options that are appropriate foryou. If you do not wish to contribute to thePlan, you must change your contribution rateto 0% within the first 60 calendar days. You maychange your contribution rate at any timeonline, or by calling Fidelity RetirementBenefits Line at 1-800-343-0860.

How do I enroll in the Plan?

Enroll online at any time, or by calling theFidelity Retirement Benefits Line at1-800-343-0860.

How much can I contribute?

Through automatic payroll deduction, you maycontribute between 1% and 80% of youreligible pay on a pretax basis. In addition, youcan elect to automatically increase yourretirement savings plan contributions each yearthrough the Annual Increase Program. Sign uponline by accessing the “Contribution

Amount” section on NetBenefits®, or by callingthe Fidelity Retirement Benefits Line at1-800-343-0860.

What is the IRS contribution limit?

The IRS contribution limit for 2020 is $19,500.

When is my enrollment effective?

Your enrollment becomes effective once youelect a deferral percentage, or allow the 3%automatic enrollment, initiating contributionsfrom your pay. These salary deductions willgenerally begin with your next pay period afterwe receive your election, or as soon asadministratively possible.

How do I designate my beneficiary?

If you have not already selected yourbeneficiaries, or if you have experienced a life-changing event such as a marriage, divorce,birth of a child, or a death in the family, it’s timeto consider your beneficiary designations.Fidelity’s Online Beneficiaries Service, availablethrough Fidelity NetBenefits®, offers astraightforward, convenient process that takesjust minutes. To make your elections, click onthe “Profile” link, then select “Beneficiaries”and follow the online instructions.

What are my investment options?

To help you meet your investment goals, thePlan offers you a range of options. You canselect a mix of investment options that bestsuit your goals, time horizon, and risktolerance. The various investment optionsavailable through the Plan includeconservative, moderately conservative, andaggressive funds. A complete description ofthe Plan’s investment options and theirperformance, as well as planning tools to help

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you choose an appropriate mix, are availableonline.

What if I don’t make an investmentelection?

We encourage you to take an active role in theRochester Regional Health 401(k) DefinedContribution Plan and choose investmentoptions that best suit your goals, time horizon,and risk tolerance. If you do not select specificinvestment options in the Plan, yourcontributions will be invested in the VanguardInstitutional Target Retirement -InstitutionalShares with the target retirement date closestto the year you might retire, based on yourcurrent age and assuming a retirement age of65, at the direction of Rochester RegionalHealth.

If no date of birth or an invalid date of birth ison file at Fidelity your contributions may beinvested in the Vanguard Institutional TargetRetirement Income Fund Institutional Shares.More information about the VanguardInstitutional Target Retirement -InstitutionalShares options can be found online.

Target Date Funds are an asset mix of stocks,bonds and other investments thatautomatically becomes more conservative asthe fund approaches its target retirement dateand beyond. Principal invested is notguaranteed.

What "catch-up" contribution can I make?

If you have reached age 50 or will reach 50during the calendar year January 1 –December 31 and are making the maximumplan or IRS pretax contribution, you areallowed to contribute an additional $6,500annually as a "catch-up" contribution. Goingforward, catch-up contribution limits will besubject to cost of living adjustments (COLAs) in$500 increments.

When am I vested?

You are always 100% vested in your owncontributions to the Rochester Regional Health401(k) Defined Contribution Plan.

Employer matching contributions, ifapplicable, may be subject to a vestingschedule. For information on employermatching contributions, please review yourplan’s Summary Plan Description in Workday,on the Benefits & Retirement worklet.

Can I take a loan from my account?

Although your plan account is intended for thefuture, you may borrow from your account forany reason.

Learn more about and/or request a loanonline, or by calling the Fidelity RetirementBenefits Line at 1-800-343-0860.

Can I make withdrawals from my account?

Withdrawals from the Plan are generallypermitted when you terminate youremployment, retire, reach age 59½, or have asevere financial hardship, as defined by yourplan.

Learn more about and/or request a withdrawalonline, or by calling the Fidelity RetirementBenefits Line at 1-800-343-0860.

Can I move money from another retirementplan into my account in the RochesterRegional Health 401(k) DefinedContribution Plan?

You are permitted to roll over eligible pretaxcontributions from another 401(k) plan, 403(b)plan, or a governmental 457(b) retirement planaccount or eligible pretax contributions fromconduit individual retirement accounts (IRAs). Aconduit IRA is one that contains only moneyrolled over from an employer-sponsoredretirement plan that has not been mixed withregular IRA contributions.

Additional information can be obtained online,or by calling the Fidelity Retirement BenefitsLine at 1-800-343-0860.

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Be sure to consider all your availableoptions and the applicable fees and featuresof each before moving your retirementassets.

Where can I find information about otherplan features?

You can learn about loans, exchanges, andmore online through Fidelity NetBenefits® atwww.fidelity.com/atwork. In addition, you canaccess loan modeling tools that illustrate thepotential impact of a loan on the long-termgrowth of your account. You will also find awithdrawal modeling tool, which shows theamount of federal income taxes and earlywithdrawal penalties you might pay, along withthe amount of earnings you could potentiallylose by taking a withdrawal.

You can also obtain more information aboutloans, withdrawals, and other plan features bycalling the Fidelity Retirement Benefits Line at1-800-343-0860 to speak with a representativeor use the automated voice response system,virtually 24 hours, 7 days a week.

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Investment OptionsHere is a list of investment options for the Rochester Regional Health 401(k)Defined Contribution Plan. For up-to-date performance information andother fund specifics, go to www.fidelity.com/atwork.

Tier 1: Target Date Funds

Placement of investment options within each risk spectrum is only in relation to the investment options within that specific spectrum. Placement does not reflect risk relative to the investmentoptions shown in the other risk spectrums.

ptions to the left have potentiallymore inflation risk and less investment risk

ptions to the right have potentially less inflation risk and more investment risk

Investment o Investment o

Vanguard Institutional Target Retirement

Income Fund Institutional Shares


2015 Fund Institutional Shares



















Target date investments are generally designed for investors expecting to retire around the year indicated in each investment‘sname. The investments are managed to gradually become more conservative over time. The investment risks of each target dateinvestment change over time as its asset allocation changes. They are subject to the volatility of the financial markets, includingequity and fixed income investments in the U.S. and abroad and may be subject to risks associated with investing in high yield, smallcap and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates.

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The chart below lists the assigned fund the Rochester Regional Health 401(k) Defined ContributionPlan believes will best fit your diversification needs should you not select an investment option.

Your Birth Date* Fund Name Target Retirement Years

Before 1948 Vanguard Institutional Target Retirement

Income Fund Institutional Shares

Retired before 2013

January 1, 1948 - December 31, 1952 Vanguard Institutional Target Retirement 2015

Fund Institutional Shares

Target Years 2013 - 2017

























January 1, 1993 and later* Vanguard Institutional Target Retirement 2060


Target Years 2058 and beyond

*Dates selected by Plan Sponsor

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Tier 2: Passive Core Options

ft have potentially more inflation risk and less investment risk less inflation risk and more investment risk

CCONSEERVVATIIVE AGGRESSIVE

Investment options to the le Investment options to the right have potentially

BOND STOCKS

Bond Domestic Equities International/Global

Diversified

Vanguard Total Bond Market Index Fund AdmiralShares

Large Blend

Fidelity® 500 Index Fund

Mid Blend

Fidelity® Extended Market Index Fund

Diversified

Fidelity® Total International Index Fund

This spectrum, with the exception of the Domestic Equity category, is based on Fidelity’s analysis of the characteristics of thegeneral investment categories of the investment options and not on the actual security holdings, which can change frequently.Investment options in the Domestic Equity category are based on the options’ Morningstar categories as of 11/30/2019.Morningstar categories are based on a fund’s style as measured by its underlying portfolio holdings over the past three years andmay change at any time. These style calculations do not represent the investment options’ objectives and do not predict theinvestment options’ future styles. Investment options are listed in alphabetical order within each investment category. Riskassociated with the investment options can vary significantly within each particular investment category, and the relative risk ofcategories may change under certain economic conditions. For a more complete discussion of risk associated with the mutual fundoptions, please read the prospectuses before making your investment decision. The spectrum does not represent actual or impliedperformance.

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ft have potentially more inflation risk and less investment risk less inflation risk and more investment risk

CCONSEERVVATIIVE AGGRESSIVE

Investment options to the le Investment options to the right have potentially

SHORT-TERMINVESTMENT BOND STOCKS AND BONDS STOCKS

Money Market Bond Balanced/Hybrid Domestic Equities International/

Global

Government

Vanguard FederalMoney Market FundInvestor Shares

Diversified

PGIM Total ReturnBond Fund -Class R6

PIMCO InflationResponse Multi-AssetFund Institutional

Large Blend

JPMorgan U.S. EquityFund Class R6

Mid Growth

Eaton Vance AtlantaCapital SMID-CapFund Class R6

Diversified

Hartford InternationalOpportunities HLSFund Class IA

This spectrum, with the exception of the Domestic Equity category, is based on Fidelity’s analysis of the characteristics of thegeneral investment categories of the investment options and not on the actual security holdings, which can change frequently.Investment options in the Domestic Equity category are based on the options’ Morningstar categories as of 11/30/2019.Morningstar categories are based on a fund’s style as measured by its underlying portfolio holdings over the past three years andmay change at any time. These style calculations do not represent the investment options’ objectives and do not predict theinvestment options’ future styles. Investment options are listed in alphabetical order within each investment category. Riskassociated with the investment options can vary significantly within each particular investment category, and the relative risk ofcategories may change under certain economic conditions. For a more complete discussion of risk associated with the mutual fundoptions, please read the prospectuses before making your investment decision. The spectrum does not represent actual or impliedperformance.

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Investment OptionsBefore investing in any mutual fund, consider the investment objectives,risks, charges, and expenses. Contact Fidelity for a mutual fundprospectus or, if available, a summary prospectus containing thisinformation. Read it carefully.

Vanguard Institutional Target Retirement 2015 Fund Institutional Shares

VRS Code: 865223

Fund Objective: The investment seeks to provide capital appreciation and current income consistent with its current assetallocation.

Fund Strategy: The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed forinvestors planning to retire and leave the workforce in or within a few years of 2015 (the target year). The fund’s asset allocationwill become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while thepercentage of assets allocated to bonds and other fixed income investments will increase.

Fund Risk: The target date funds are designed for investors expecting to retire around the year indicated in each fund’s name.The funds are managed to gradually become more conservative over time as they approach their target date. The investmentrisk of each target date fund changes over time as its asset allocation changes. They are subject to the volatility of the financialmarkets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associatedwith investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at orafter their target dates. Additional risk information for this product may be found in the prospectus or other product materials,if available.

Fund short term trading fees: None

Who may want to invest:● Someone who is seeking an investment option intended for people in or very near retirement and who is willing to accept the

volatility of diversified investments in the market.

● Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option or whodoes not feel comfortable making asset allocation choices over time.

Footnotes:● This description is only intended to provide a brief overview of the mutual fund. Read the fund’s prospectus for more detailed

information about the fund.


VRS Code: 865224





Who may want to invest:● Someone who is seeking an investment option that gradually becomes more conservative over time and who is willing to

accept the volatility of the markets.


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VRS Code: 865225











VRS Code: 865226










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VRS Code: 865227











VRS Code: 865228










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VRS Code: 865229











VRS Code: 865230










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VRS Code: 865231











VRS Code: 865232










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Vanguard Institutional Target Retirement Income Fund Institutional Shares

VRS Code: 865221

Fund Objective: The investment seeks to provide current income and some capital appreciation.

Fund Strategy: The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed forinvestors currently in retirement. Its indirect bond holdings are a diversified mix of short-, intermediate-, and long-term U.S.government, U.S. agency, and investment-grade U.S. corporate bonds; inflation-protected public obligations issued by the U.S.Treasury; mortgage-backed and asset-backed securities; and government, agency, corporate, and securitized investment-grade foreign bonds issued in currencies other than the U.S. dollar.

Fund Risk: The fund is subject to the volatility of the financial markets, including that of equity and fixed income investments.Fixed income investments carry issuer default and credit risk, inflation risk, and interest rate risk. (As interest rates rise, bondprices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Principal invested is notguaranteed at any time, including at or after retirement. Additional risk information for this product may be found in theprospectus or other product materials, if available.


Who may want to invest:● Someone who is seeking an investment option intended for people in retirement and who is willing to accept the volatility of

diversified investments in the market.

● Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option and lookingprimarily for the potential for income and, secondarily, for share-price appreciation.



Fidelity® 500 Index Fund

VRS Code: 002328

Fund Objective: Seeks to provide investment results that correspond to the total return (i.e., the combination of capitalchanges and income) performance of common stocks publicly traded in the United States.

Fund Strategy: Normally investing at least 80% of assets in common stocks included in the S&P 500 Index, which broadlyrepresents the performance of common stocks publicly traded in the United States.

Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, or economic developments.


Who may want to invest:● Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income.

● Someone who is seeking both growth- and value-style investments and who is willing to accept the volatility associated withinvesting in the stock market.



● The S&P 500 Index is a market capitalization-weighted index of 500 common stocks chosen for market size, liquidity, andindustry group representation to represent U.S. equity performance.

● Returns prior to May 4, 2011 are those of the Premium Class and reflect the Premium Class’ expense ratio. Had theInstitutional Premium Class’ expense ratio been reflected, total returns would have been higher.

Fidelity® Extended Market Index Fund

VRS Code: 002365

Fund Objective: Seeks to provide investment results that correspond to the total return stocks of mid- to small-capitalizationUnited States companies.

Fund Strategy: Normally investing at least 80% of assets in common stocks included in the Dow Jones U.S. Completion TotalStock Market Index, which represents the performance of stocks of mid- to small-capitalization U.S. companies.

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Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, or economic developments. Investments in smaller companies may involve greater risks than thosein larger, more well known companies.



● Someone who is seeking both growth- and value-style investments and who is willing to accept the generally greater volatilityof investments in smaller companies.



● The Dow Jones U.S. Completion Total Stock Market Index is an unmanaged index that represents all U.S. equity issues withreadily available prices, excluding components of the S&P 500.

● Returns prior to September 8, 2011 are those of the Premium Class and reflect the Premium Class’ expense ratio. Had theInstitutional Premium Class’ expense ratio been reflected, total returns would have been higher.

Fidelity® Total International Index Fund

VRS Code: 002834

Fund Objective: Seeks to provide investment results that correspond to the total return of foreign developed and emergingstock markets.

Fund Strategy: Normally investing at least 80% of assets in securities included in the MSCI ACWI (All Country World Index) exUSA Investable Market Index and in depository receipts representing securities included in the index. The MSCI ACWI (AllCountry World Index) ex USA Investable Market Index is a market capitalization-weighted index designed to measure theinvestable equity market performance for global investors of large, mid, and small-cap stocks in developed and emergingmarkets, excluding the U.S. Using statistical sampling techniques based on such factors as capitalization, industry exposures,dividend yield, price/earnings (P/E) ratio, price/book (P/B) ratio, earnings growth, country weightings, and the effect of foreigntaxes to attempt to replicate the returns of the MSCI ACWI (All Country World Index) ex USA Investable Market Index. Lendingsecurities to earn income for the fund.

Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate,economic, and political risks, all of which are magnified in emerging markets. The securities of smaller, less well-knowncompanies can be more volatile than those of larger companies. Fund and index performance may vary somewhat due tofactors such as transaction costs, sample selection, and timing differences associated with index additions and deletions.


Who may want to invest:● Someone who is seeking to complement a portfolio of domestic investments with international investments, which can

behave differently.

● Someone who is willing to accept the higher degree of risk associated with investing overseas.



● The MSCI ACWI ex-US Investable Market Index represents approximately 99% of the world’s total market capitalizationoutside the US. The ACWI ex US IMI defines the non-US equity asset class and covers 22 developed markets and 22emerging markets. The IMI (Investable Market Index) combines large, mid & small capitalization equity offerings and thus,provides the broadest international exposure available. The index is unmanaged and should not be considered aninvestment. It is not possible to invest directly in an index.

Vanguard Total Bond Market Index Fund Admiral Shares

VRS Code: 844460

Fund Objective: The investment seeks the performance of Bloomberg Barclays U.S. Aggregate Float Adjusted Index.

Fund Strategy: Bloomberg Barclays U.S. Aggregate Float Adjusted Index represents a wide spectrum of public, investment-grade, taxable, fixed income securities in the United States-including government, corporate, and international dollar-denominated bonds, as well as mortgage-backed and asset-backed securities-all with maturities of more than 1 year. All of itsinvestments will be selected through the sampling process, and at least 80% of its assets will be invested in bonds held in theindex.

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Fund Risk: In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise,bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed incomesecurities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, mostbond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is notpossible. Additional risk information for this product may be found in the prospectus or other product materials, if available.


Who may want to invest:● Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase in share

price.

● Someone who is seeking to diversify an equity portfolio with a more conservative investment option.



● The Bloomberg Barclays U.S. Aggregate Float Adjusted Index measures the total universe of public, investment-grade,taxable, fixed income securities in the United States-including government, corporate, and international dollar-denominatedbonds, as well as mortgage-backed and asset-backed securities-all with maturities of more than 1 year.

● The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class’s actualinception of 11/12/2001. These calculated returns reflect the historical performance of the oldest share class of the fund, withan inception date of 12/11/1986, adjusted to reflect the fees and expenses of this share class (when this share class’s fees andexpenses are higher.) Please refer to a fund’s prospectus for information regarding fees and expenses. These adjustedhistorical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied byother entities, including the fund itself.

Eaton Vance Atlanta Capital SMID-Cap Fund Class R6

VRS Code: 872818

Fund Objective: The investment seeks long-term capital growth.

Fund Strategy: Under normal circumstances, the fund invests at least 80% of its net assets (plus any borrowings for investmentpurposes) in small- to mid-cap stocks (the "80% Policy"). The portfolio managers generally consider small- to mid-capcompanies to be those companies having market capitalizations within the range of companies comprising the Russell 2500™ Index.

Fund Risk: Growth stocks can perform differently from the market as a whole and can be more volatile than other types ofstocks. The securities of smaller, less well-known companies can be more volatile than those of larger companies. Stockmarkets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or otherdevelopments. These risks may be magnified in foreign markets. Additional risk information for this product may be found inthe prospectus or other product materials, if available.


Who may want to invest:● Someone who is seeking the potential for long-term share-price appreciation.

● Someone who is willing to accept the generally greater price volatility associated both with growth-oriented stocks and withsmaller companies.



● The Russell 2500™ Index is an unmanaged market capitalization-weighted index measuring the performance of the 2,500smallest companies in the Russell 3000 Index.


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Hartford International Opportunities HLS Fund Class IA

VRS Code: 876772

Fund Objective: The investment seeks long-term growth of capital.

Fund Strategy: The fund normally invests at least 65% of its net assets in equity securities, including non-dollar securities, offoreign issuers. It diversifies its investments among a number of different countries throughout the world, with no limit on theamount of assets that may be invested in each country. The fund may invest in companies domiciled in emerging markets as apercentage of its net assets up to the greater of 25% or the weight of emerging markets in the MSCI All Country World ex USAIndex plus 10%.

Fund Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of whichmay be magnified in emerging markets. Value and growth stocks can perform differently from other types of stocks. Growthstocks can be more volatile. Value stocks can continue to be undervalued by the market for long periods of time. Stock marketsare volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or otherdevelopments. Additional risk information for this product may be found in the prospectus or other product materials, ifavailable.


Who may want to invest:● Someone who is seeking to complement a portfolio of domestic investments with international investments, which can

behave differently.

● Someone who is willing to accept the higher degree of risk associated with investing overseas.



● The MSCI All Country World Index ex-U.S. Index is an unmanaged market capitalization-weighted index representing boththe developed and the emerging markets excluding the U.S. Excludes securities in which trading is restricted or difficult forforeigners.

JPMorgan U.S. Equity Fund Class R6

VRS Code: 878739

Fund Objective: The investment seeks to provide high total return from a portfolio of selected equity securities.

Fund Strategy: Under normal circumstances, the fund invests at least 80% of its assets in equity securities of U.S. companies."Assets" means net assets, plus the amount of borrowings for investment purposes. In implementing its strategy, the fundprimarily invests in common stocks of large- and medium-capitalization U.S. companies but it may also invest up to 20% of itsassets in common stocks of foreign companies, including depositary receipts.

Fund Risk: Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile.Value stocks can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can declinesignificantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may bemagnified in foreign markets. Additional risk information for this product may be found in the prospectus or other productmaterials, if available.



● Someone who is seeking both growth- and value-style investments and who is willing to accept the volatility associated withinvesting in the stock market.




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PGIM Total Return Bond Fund -Class R6

VRS Code: 892935

Fund Objective: The investment seeks total return.

Fund Strategy: The fund will seek to achieve its objective through a mix of current income and capital appreciation asdetermined by the fund’s subadviser. It invests, under normal circumstances, at least 80% of the fund’s investable assets inbonds. For purposes of this policy, bonds include all fixed-income securities, other than preferred stock, with a maturity at dateof issue of greater than one year. The fund may invest up to 30% of its investable assets in speculative, high risk, belowinvestment-grade securities having a rating of not lower than CCC. It may invest up to 30% of its investable assets in foreigndebt securities.

Fund Risk: In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise,bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed incomesecurities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, mostbond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is notpossible. The fund may invest in lower-quality debt securities that involve greater risk of default or price changes due topotential changes in the credit quality of the issuer. Foreign securities are subject to interest-rate, currency-exchange-rate,economic, and political risks, all of which may be magnified in emerging markets. Additional risk information for this productmay be found in the prospectus or other product materials, if available.


Who may want to invest:● Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase in share

price.

● Someone who is seeking to diversify an equity portfolio with a more conservative investment option.




PIMCO Inflation Response Multi-Asset Fund Institutional

VRS Code: 826534

Fund Objective: The investment seeks total return which exceeds that of its benchmark.

Fund Strategy: The fund invests in a combination of Fixed Income Instruments of varying maturities, equity securities,affiliated and unaffiliated investment companies, which may or may not be registered under the Investment Company Act of1940, as amended (the "1940 Act"), forwards and derivatives, such as options, futures contracts or swap agreements, of variousasset classes in seeking to mitigate the negative effects of inflation. It may invest up to 25% of its total assets in equity-relatedinvestments.

Fund Risk: In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise,bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed incomesecurities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, mostbond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is notpossible. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market,economic or other developments. These risks may be magnified in foreign markets. Additional risk information for thisproduct may be found in the prospectus or other product materials, if available.


Who may want to invest:● Someone who is seeking to invest in a fund that invests in both stocks and bonds.

● Someone who is seeking the potential both for income and for long-term share-price appreciation and who is willing toaccept the volatility of the bond and stock markets.

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● The benchmark is a blend of 45% Bloomberg Barclays U.S. TIPS Index, 20% Dow Jones-UBS Commodity Index Total Return,15% JPMorgan Emerging Local Markets Index Plus (Unhedged), 10% Dow Jones U.S. Select REIT Total Return Index, 10%Spot Gold. Bloomberg Barclays U.S. TIPS Index is an unmanaged market index comprised of all U.S. Treasury Inflation-Protected Securities rated investment grade (Baa3 or better), have at least one year to final maturity, and at least $250 millionpar amount outstanding. Performance data for this index prior to October 1997 represents returns of the Bloomberg BarclaysInflation Notes Index. Dow Jones-UBS Commodity Index Total Return is an unmanaged index composed of futures contractson 19 physical commodities. The index is designed to be a highly liquid and diversified benchmark for commodities as anasset class. JPMorgan Emerging Local Markets Index Plus (Unhedged) tracks total returns for local-currency denominatedmoney market instruments in 22 emerging markets countries with at least US$10 billion of external trade. The Dow Jones U.S.Select Real Estate Investment Trust (REIT) Total Return Index is a subset of the Dow Jones Americas Select Real EstateSecurities Index (RESI) and includes only REITs and REIT-like securities. The objective of the index is to measure theperformance of publicly traded real estate securities. The indexes are designed to serve as proxies for direct real estateinvestment, in part by excluding companies whose performance may be driven by factors other than the value of real estate.Prior to April 1st, 2009, this index was named Dow Jones Wilshire REIT Total Return Index. Dow Jones-UBS Gold Total ReturnIndex reflects the return on fully collateralized positions in the underlying commodity futures. It is not possible to investdirectly in an unmanaged index.

Vanguard Federal Money Market Fund Investor Shares

VRS Code: 845481

Fund Objective: The investment seeks to provide current income while maintaining liquidity and a stable share price of $1.

Fund Strategy: The fund invests primarily in high-quality, short-term money market instruments. Under normal circumstances,at least 80% of the fund’s assets are invested in securities issued by the U.S. government and its agencies and instrumentalities.It maintains a dollar-weighted average maturity of 60 days or less and a dollar-weighted average life of 120 days or less. Thefund generally invests 100% of its assets in government securities and therefore will satisfy the 99.5% requirement fordesignation as a government money market fund.

Fund Risk: You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of yourinvestment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by theFederal Deposit Insurance Corporation or any other government agency. The fund’s sponsor has no legal obligation to providefinancial support to money market funds and you should not expect that the sponsor will provide financial support to the fundat any time. Additional risk information for this product may be found in the prospectus or other product materials, if available.


Who may want to invest:● Someone who has a low tolerance for investment risk and who wishes to keep the value of his or her investment relatively

stable.

● Someone who is seeking to complement his or her bond and stock fund holdings in order to reach a particular assetallocation.



19

Transfer/Rollover/Exchange Form Instructions

Reference the instructions below while completing the form. For additional assistance, please contact Fidelity Investments at 1-800-343-0860 or, for the hearing impaired, 1-800-259-9743 (TTY), Monday through Friday, 8 a.m. to midnight Eastern time (excluding New York Stock Exchange holidays, except Good Friday).

1. YOUR INFORMATION

Please provide your information in this section.

2. INVESTMENT PROVIDER YOU ARE MOVING MONEY FROM

Please review your most recent statement for this name and address, and include a copy of the statement with this form. Please contact your previous investment provider to see if additional paperwork is required.

3. ACCOUNT(S) OR CONTRACT(S) TO MOVE

Account or Contract Number: This number is available on your previous investment provider account statement. If you are unable to locate this number on your statement, please contact the investment provider. If you do not provide an account or contract number, we will use your Social Security number or U.S. Tax Identification number to request the assets to be moved.

Type of Account or Contract: If you are unsure of the type of account or contract, please contact the Previous Investment Provider or refer to your statement. Select at least one.

The Account or Contract Number is from: Please see the descriptions below that relate to each of the four transactions. If you choose “A Previous Employer,” provide the name of that employer.

The Same Employer as My Employer Plan with Fidelity. Movement of assets from 403(b) to 403(b) will be requested as a vendor or contract exchange. Movement of money between the same plan types, excluding 403(b) plans [401(a) to 401(a), 401(k) to 401(k), 457(b) to 457(b)], will be requested as an in-plan transfer. Movement of money between different plan types will be requested as a rollover.

A Previous Employer. For 403(b) and 401(a)/(k) plans, this is a rollover transaction. For governmental 457(b) plans, this is a rollover unless Fidelity receives direction to process as a transfer.

A Rollover IRA. This is a rollover transaction. After-tax value may not be rolled from an IRA.

A Traditional IRA or SEP IRA. This is a rollover transaction. Roth IRAs and Coverdell IRAs cannot be accepted.

Liquidation Amount: Specify the amount of money you want moved to your Fidelity account. If you choose “Full Liquidation/100%,” Fidelity will request your full balance. If you choose “Partial Liquidation,” Fidelity will request the dollar amount or percentage you specify. If you do not specify an amount, Fidelity will move/liquidate 100%. If you are moving 457(b) assets, please be aware that governmental 457(b) assets must be moved into a governmental 457(b) plan, and nongovernmental 457(b) assets must be moved into a nongovernmental 457(b) plan. Transfers from nongovernmental 457(b) plans are not provided for on this form. Talk with your plan sponsor or call Fidelity to discuss transfers from nongovernmental 457(b) plans. Rollovers from 403(b) plans, 401(a)/401(k) plans, and IRAs to governmental 457(b) plans must be recordkept in separate rollover sources to limit the distributions that may be subject to a 10% early distribution penalty.

4. YOUR FIDELITY ACCOUNT INFORMATION

If you do not have a retirement account with Fidelity for the employer listed here, you must complete the enroll-ment process. For help with enrollment, please contact Fidelity at 1-800-343-0860 or for the hearing impaired 1-800-259-9743 (TTY).

Employer Sponsoring Your Fidelity Retirement Account: The employer name appears on your Fidelity account statement or in your enrollment paperwork.

Plan Type with this employer: This information is required to ensure that Fidelity credits your assets to the proper account. Please contact Fidelity at 1-800-343-0860 or for the hearing impaired 1-800-259-9743 (TTY) if you do not know your plan type.

Plan Number: Please provide the plan number if you have multiple retirement plan accounts with Fidelity. Please contact Fidelity at 1-800-343-0860 or for the hearing impaired 1-800-259-9743 (TTY) to obtain the plan number.

022380001

5. INVESTMENT INSTRUCTIONS

Would you like the assets invested in your current investment selection? If “Yes” is selected, your assets will be allocated to your current investment selection on file with Fidelity. If you do not select “Yes,” please list the fund names, fund codes (if known), and percentages. Please ensure that the percentages equal 100%. Please list any additional funds on a separate page and attach it to this form.

Fund Name: List the fund name(s) you want your assets credited to.

Fund Code: Provide the four-digit fund code(s) (if known).

Percentage: Please ensure that the percentages listed equal 100%.

Note: If no investment options are selected, your investment instructions are incomplete or invalid, or the percentages listed are less than or exceed 100%, your entire contribution will be defaulted to the investment elections on file with Fidelity. If you have no investment elections on file, your entire contribution will be defaulted to the investment option specified in the agreement currently in place with Fidelity for the Plan.

6. EMPLOYER PLAN ACCEPTANCE

Employer Authorized Signature: An authorized signature from the employer that sponsors your Fidelity retirement account may be required. To verify if this section needs to be signed, contact your Human Resources office or Fidelity at 1-800-343-0860 or for the hearing impaired 1-800-259-9743 (TTY).

7. DUPLICATE DISPOSITION LETTER REQUEST

Entering a name and address in this section requests and authorizes Fidelity to send a duplicate disposition (status) letter to the individual listed for this request only.

8. SIGNATURE AND DATE

Please read the legal information provided in this section and then sign and date the form. We are unable to process your request without your signature and the date.

Transfer/Rollover/Exchange Form Checklist:

Here is a checklist to ensure that your request is in good order.

Please remember to:

Include your most recent account statement from your previous investment provider

Indicate the amount or percentage of money you are moving to Fidelity

Obtain the Employer Authorized Signature. Contact your Human Resources office or Fidelity to verify if this is required.

Sign and date in Section 8 of the form

Return this form in the enclosed postage-paid envelope OR

If you are sending this using an overnight delivery

Return to: service, please send to:

Fidelity Investments Fidelity Investments P.O. Box 770002 100 Crosby Parkway, Mailzone KC1E Cincinnati, OH 45277-0090 Covington, KY 41015

Please contact your previous investment provider to see if additional paperwork is required.

Transfer/Rollover/Exchange FormInstructions: Use this form to move assets to your Fidelity employer-sponsored retirement account from a previous investment provider. You may also use this form to consolidate multiple employer-sponsored retirement accounts currently at Fidelity. If you do not have a retirement account with Fidelity, you must also complete an Account Application/Enrollment Form or, when available, enroll online at netbenefits.com/atwork. If your current employer does not offer a retirement plan recordkept by Fidelity, your employer needs to establish a retirement plan prior to your vendor or contract exchange, or rollover to a Fidelity account. An incomplete form may delay the processing of your request. Use a separate form for each investment provider.

Unless otherwise instructed by your employer, please return this transfer/rollover/exchange form in the postage-paid envelope provided OR

Return to: If you are sending this using an overnight delivery Fidelity Investments service, please send to: P.O. Box 770002 Fidelity Investments Cincinnati, OH 45277-0090 100 Crosby Parkway, Mailzone KC1E Covington, KY 41015

Questions? Call Fidelity Investments at 1-800-343-0860 or for the hearing impaired 1-800-259-9743 (TTY), Monday through Friday, 8 a.m. to midnight Eastern time (excluding New York Stock Exchange holidays, except Good Friday), for assistance with completing this form.

1. YOUR INFORMATIONPlease use a black pen and print clearly in CAPITAL LETTERS.

Social Security # or Tax ID #: Date of Birth:

First Name:

Middle Initial:

Last Name:

Mailing Address:

City: State:

ZIP Code:

Daytime Phone: Evening Phone:

Email:

2. INVESTMENT PROVIDER YOU ARE MOVING MONEY FROM

Name of investment provider you are moving money from

Please include a copy of your most recent account statement from your investment provider.

Provider Street Address:

City: State:

ZIP Code:

Provider Phone: Ext:

Please contact your previous investment provider to see if additional paperwork is required. Use a separate form for each investment provider.

Page 1

(e.g., VALIC, TIAA-CREF, Vanguard, Voya, Lincoln):

022380003

3. ACCOUNT(S) OR CONTRACT(S) TO MOVEPlease provide information about the account(s)/contract(s) you wish to move to Fidelity. If no account or contract numbers are provided, we will use your Social Security number or U.S. Tax ID number to request the assets to be moved. Please make additional copies of this page and the next page if you have more than two accounts/contracts to move.

3A. FIRST ACCOUNT/CONTRACT (if more than one account/contract, please complete section 3B in addition to section 3A)

1. Account/Contract #:

Type: 403(b) Include Roth 403(b) balance 401(a)/(k) Include Roth 401(k) balance

457(b) governmental Include Roth 457(b) governmental balance IRA

2. Please check the box that most accurately reflects the transaction that you are requesting. Note that your selection will dictate how we process this transaction. Please read Section 3 of the instructions for more details.

The Same Employer as My Employer Plan with Fidelity

A Previous Employer

Previous Employer Name:

A Rollover IRA

A Traditional IRA or SEP IRA

3. Liquidation Amount Full Liquidation/100% Partial Liquidation % OR $

Unless otherwise specified, I request the previous investment provider to liquidate 100% of my account.

3B. SECOND ACCOUNT/CONTRACT (if applicable).

1. Account/Contract #:

Type: 403(b) Include Roth 403(b) balance 401(a)/(k) Include Roth 401(k) balance

457(b) governmental Include Roth 457(b) governmental balance IRA

2. Please check the box that most accurately reflects the transaction that you are requesting. Note that your selection will dictate how we process this transaction. Please read Section 3 of the instructions for more details.

The Same Employer as My Employer Plan with Fidelity

A Previous Employer

Previous Employer Name:

A Rollover IRA

A Traditional IRA or SEP IRA

3. Liquidation Amount Full Liquidation/100% Partial Liquidation % OR $

Unless otherwise specified, I request the previous investment provider to liquidate 100% of my account.

(select one)

Page 2

(select one)

(select at least one)

(select at least one)

4. YOUR FIDELITY ACCOUNT INFORMATION If you do not have a retirement account with Fidelity for the employer listed below, or you do not know the plan number or type, please contact Fidelity at 1-800-343-0860 or for the hearing impaired 1-800-259-9743 (TTY).

5. INVESTMENT INSTRUCTIONS

Would you like the assets invested in your current investment selection? Yes No (specify below)

Fund Name(s): Fund Code: Percentage:

%

%

%

%

If no investment options are selected, your investment instructions are incomplete or invalid, or the percentages listed are less than or exceed 100%, your entire contribution will be defaulted to the investment elections on file with Fidelity. If you have no investment elections on file, your entire contribution will be defaulted to the investment option specified in the agreement currently in place with Fidelity for the Plan.

6. EMPLOYER PLAN ACCEPTANCE

An authorized signature from the employer that sponsors your Fidelity retirement account may be required. To verify if this section needs to be signed, contact your Human Resources office or Fidelity at 1-800-343-0860 or for the hearing impaired 1-800-259-9743 (TTY).

Employer Authorized Signature: X Date:

Employer Authorized Printed Name: X

Page 3

OR

OR

OR

OR

Total = 100%

Employer Sponsoring Your Fidelity Retirement Account: (This name appears on your Fidelity statement, or in your enrollment paperwork.)

City & State of Employer: Are you still employed with this Employer? Yes No

4A. Fidelity Account Information for 3A

Plan Type: 403(b) 401(a)/(k) 457(b) governmental

Plan Number (if known):

4B. Fidelity Account Information for 3B

Plan Type: 403(b) 401(a)/(k) 457(b) governmental

Plan Number (if known):

If there is a discrepancy between plan type and plan number, the plan type selected will be used.

7. DUPLICATE DISPOSITION LETTER REQUEST

I hereby request and authorize Fidelity to send a duplicate disposition letter for this application to the individual listed below.

First Name:

Middle Initial:

Last Name:

Mailing Address:

City: State:

ZIP Code:

Daytime Phone: Evening Phone:

Email:

8. SIGNATURE AND DATE

By signing this form:

listed on this form, and to release the proceeds to my account under my employer’s plan, except to the extent my current employer or any of my former employers prohibit such release. In the event of such prohibition, I hereby direct said investment provider to retain the portion of my account(s) that cannot be released in a separate account or contract and to release the remainder.

or contract exchange, in-plan transfer, or rollover, of my retirement plan assets in accordance with applicable IRS and plan rules.

instructions on this form. All subsequent installment payments as well as any residual balances not received within 30 days will be invested according to the investment elections currently in place with Fidelity for the Plan at the time my assets are received by Fidelity.

For 403(b)-to-403(b) vendor or contract exchanges

more restrictive withdrawal provisions.

source will be returned to the investment provider named in Section 2.

provides Fidelity with account balances as of 12/31/88 and post-1988 salary reduction contributions.

provides Fidelity with account balances as of 12/31/86.-

ment provider provides Fidelity with the sources of the exchanged amount under the previous plan.

Your Signature: X Date:

26030_01/0116 434261.10.0 Fidelity Investments Institutional Operations Company, Inc. 1.931026.103

This information is intended to be educational and is not tailored to the investment needs of any specific investor.

This document provides only a summary of the main features of the Rochester Regional Health 401(k) Defined Contribution Plan andthe Plan Document will govern in the event of discrepancies.

The Plan is intended to be a participant-directed plan as described in Section 404(c) of ERISA, which means that fiduciaries of thePlan are ordinarily relieved of liability for any losses that are the direct and necessary result of investment instructions given by aparticipant or beneficiary.

© 2010 - 2019 FMR LLC. All rights reserved.

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